1999 Jaguar XK-Series Car Insurance Quotes

Want lower auto insurance rates for your Jaguar XK-Series? Feel like you’re a prisoner to an overpriced auto insurance policy? You’re in good company because many consumers feel financially strained by their auto insurance policy.

Popular companies such as State Farm, Allstate, Geico and Progressive promote their brand names with fancy advertisements and it is challenging if not impossible to see through the deception and effectively compare rates to find the best deal.

You should take the time to do price comparisons on a regular basis because auto insurance prices tend to go up over time. Just because you had the best deal for XK-Series coverage on your last policy a different company probably has better rate quotes today. You can search a lot of auto insurance on the internet, but by reading this article, you’re going to learn some proven techniques to find affordable auto insurance.

Insurance price influencing factors

Many things are taken into consideration when pricing auto insurance. Some are pretty understandable like a motor vehicle report, but others are not as apparent like where you live and annual miles driven.A large part of saving on auto insurance is knowing some of the factors that aid in calculating auto insurance rates. When consumers understand what determines premiums, this helps enable you to make changes that may result in better auto insurance rates.

The items below are most of the major factors used by companies to determine rates.

  • Keep auto insurance rates low by being claim-free – Companies generally give most affordable rates to drivers who are not frequent claim filers. If you tend to file frequent claims, you can look forward to much higher rates or policy non-renewal. Your insurance policy is intended for more catestrophic claims.
  • Safety ratings are a factor – Vehicles with good safety scores get lower rates. Highly rated vehicles reduce the chance of injuries and any reduction in injury severity means your insurance company pays less and lower rates for you. If your Jaguar earned at least an “acceptable” rating on the Insurance Institute for Highway Safety website you are probably receiving a discount.
  • High credit scores save money – Having a bad credit score factor in your rate calculation. So if your credit history is low, you could potentially save money when insuring your 1999 Jaguar XK-Series by repairing your credit. Drivers with very good credit scores tend to be more responsible than drivers who have worse credit.
  • Gender is a factor – Over time, data shows that men are more aggressive behind the wheel. Now that doesn’t mean males are worse at driving than females. Both genders cause fender benders at about the same rate, but the men tend to have higher claims. Men also get more serious tickets like DUI and reckless driving. Male teenagers generally have the highest accident percentage and therefore pay the highest rates.

How to get car insurance quotes

Effectively comparing car insurance prices can take hours if you don’t utilize the best way to get rate quotes. You can spend countless hours talking to insurance agencies in your area, or you could save time and use the web to get rate comparisons in just a few minutes.

Many insurance companies are enrolled in a marketplace that enables customers to complete one form, and each company can provide price quotes. This saves time by eliminating quotation requests for each company you want a rate for.

To participate in this free quote system, click here to open in new window.

The only drawback to using this type of form is that you can’t choose which carriers you want pricing from. So if you want to choose from a list of companies for rate comparison, we have a page of companies who write car insurance in your area. Click here for list of insurance companies.

However you get your quotes, try to use equivalent quote data for each comparison quote. If each company quotes differing limits then you won’t be able to determine which company has the best rates. Just a small difference in coverages can result in a big premium difference. And when quoting car insurance, remember that comparing more rates from different companies will increase your chances of finding a better price.

Insurance coverage advertising gotchas

Well-known insurance coverage companies like 21st Century, Allstate and State Farm constantly bombard you with ads in print and on television. All the ads make the point that you can save just by switching to their company. But how can every company charge lower premium rates? Here is how they do it.

All companies have underwriting criteria for the right customer that will most likely be profitable. For instance, a profitable insured should be between the ages of 30 and 50, owns a home, and drives a car with an anti-theft system. A customer getting a price quote who matches that profile is entitled to the best price and will most likely save if they switch.

People who do not meet this stringent profile will probably have to pay higher prices which usually ends up with the customer not purchasing. If you listen to the ad wording, they say “people who switch” but not “all drivers who get quotes” save the amount stated. That’s the way companies can truthfully make those claims. Different companies use different criteria so you need to compare free auto insurance quotes often. It is impossible to predict with any certainty which company will provide you with the cheapest premium rates.

Insurance coverage discounts are available to lower your rates

Insurance can cost an arm and a leg, but you might find some hidden discounts to reduce the price significantly. Most are applied at the time you complete a quote, but a few need to be manually applied prior to receiving the credit.

  • Senior Citizen Discount – If you qualify as a senior citizen, you could receive better insurance coverage rates for XK-Series coverage.
  • Discount for Life Insurance – Some companies give a discount if you purchase auto and life insurance together.
  • Defensive Driver – Participating in a course that instructs on driving safety could earn you a small percentage discount if you qualify.
  • Telematics Discount – Insureds that choose to allow data collection to monitor vehicle usage by using a telematic data system such as Snapshot from Progressive or Drivewise from Allstate could see a rate decrease if their driving habits are good.
  • Active Service Discounts – Being deployed with a military unit may qualify for rate reductions.
  • Good Drivers – Drivers who avoid accidents can get discounts for up to 45% lower rates for XK-Series coverage compared to accident prone drivers.
  • Anti-lock Brakes – Cars, trucks, and SUVs with ABS and/or traction control are much safer to drive and the ABS can save up to 10%.
  • Online Discount – Many companies will give a small break for signing up on the web.
  • Organization Discounts – Being in a qualifying organization could qualify you for a break on insurance coverage.
  • No Accidents – Good drivers with no accidents get the best insurance coverage rates in comparison with bad drivers.

Discounts save money, but please remember that most discounts do not apply to the entire cost. Most only reduce the cost of specific coverages such as physical damage coverage or medical payments. So when the math indicates you could get a free insurance coverage policy, you aren’t that lucky. Any qualifying discounts will reduce the amount you pay for coverage.

A list of companies and a summarized list of policyholder discounts can be found below.

  • Mercury Insurance offers premium reductions for location of vehicle, multi-car, accident-free, multi-policy, good driver, type of vehicle, and low natural disaster claims.
  • Farmers Insurance has discounts for bundle discounts, early shopping, switch companies, electronic funds transfer, and pay in full.
  • Farm Bureau offers discounts for good student, safe driver, renewal discount, youthful driver, and driver training.
  • State Farm may have discounts that include good driver, Steer Clear safe driver discount, multiple autos, safe vehicle, multiple policy, and good student.
  • Allstate includes discounts for utility vehicle, FullPay discount, resident student, farm vehicle, teenSMART discount, and auto/life discount.
  • Geico discounts include daytime running lights, military active duty, multi-policy, five-year accident-free, air bags, and membership and employees.

Double check with all companies you are considering which discounts can lower your rates. Some of the discounts discussed earlier may not be available in your area. To choose insurers who offer cheap insurance coverage quotes, click this link.

Everyone needs different insurance coverage coverages

When it comes to buying the best insurance coverage coverage for your vehicles, there is no “perfect” insurance plan. Everyone’s needs are different and your policy should reflect that. These are some specific questions can help discover whether your personal situation could use an agent’s help.

  • Am I covered by my spouse’s policy after a separation?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • What is no-fault insurance?
  • What discounts do I qualify for?
  • Is there coverage for injuries to my pets?
  • Can my teen drive my company car?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?

If you’re not sure about those questions but a few of them apply then you might want to talk to a licensed agent. To find an agent in your area, simply complete this short form or you can also visit this page to select a carrier

The coverage is in the details

Learning about specific coverages of a auto insurance policy aids in choosing the best coverages and the correct deductibles and limits. The coverage terms in a policy can be difficult to understand and nobody wants to actually read their policy. Shown next are the usual coverages available from auto insurance companies.

Liability coverages – This will cover damage or injury you incur to people or other property in an accident. This insurance protects YOU against claims from other people, and does not provide coverage for damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have policy limits of 50/100/50 that means you have a limit of $50,000 per injured person, a total of $100,000 of bodily injury coverage per accident, and $50,000 of coverage for damaged propery.

Liability coverage protects against claims such as medical expenses, bail bonds and repair costs for stationary objects. The amount of liability coverage you purchase is a decision to put some thought into, but you should buy as high a limit as you can afford.

Comprehensive coverage (or Other than Collision) – This coverage covers damage from a wide range of events other than collision. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims like theft, hitting a deer and damage from getting keyed. The highest amount a auto insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Uninsured Motorist or Underinsured Motorist insurance – This protects you and your vehicle when other motorists do not carry enough liability coverage. Covered claims include injuries to you and your family and also any damage incurred to your Jaguar XK-Series.

Because many people have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is very important.

Collision coverage – This coverage covers damage to your XK-Series resulting from colliding with another vehicle or an object, but not an animal. You have to pay a deductible then your collision coverage will kick in.

Collision coverage pays for things such as crashing into a ditch, sideswiping another vehicle and hitting a parking meter. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. It’s also possible to choose a higher deductible in order to get cheaper collision rates.

Insurance for medical payments – Medical payments and Personal Injury Protection insurance reimburse you for bills such as prosthetic devices, doctor visits, nursing services, rehabilitation expenses and funeral costs. The coverages can be used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. It covers all vehicle occupants in addition to any family member struck as a pedestrian. Personal Injury Protection is not universally available and gives slightly broader coverage than med pay

Save your hard earned cash

We just presented quite a bit of information on how to reduce 1999 Jaguar XK-Series insurance premium rates online. The key thing to remember is the more rate quotes you have, the higher the chance of saving money. You may even find the best price on auto insurance is with a smaller regional carrier. Some small companies may cover specific market segments cheaper as compared to the big name companies such as Progressive and Geico.

There are still a few companies who may not provide the ability to get quotes online and most of the time these small, regional companies work with independent insurance agents. Cheaper auto insurance can be purchased both online as well as from independent agents, so compare prices from both to have the best rate selection.

When shopping online for auto insurance, don’t be tempted to buy less coverage just to save a little money. In many cases, consumers will sacrifice full coverage only to regret at claim time that a couple dollars of savings turned into a financial nightmare. The ultimate goal is to purchase a proper amount of coverage at the lowest possible cost.

More detailed auto insurance information is located by following these links: